hi all

due to circumstances im currently in a joint mortgage with my mother which is due for renewal in november. it was our intention to remove me from the mortgage when renewing which will allow me to buy a house with my girlfriend. my mother is owed money that would reduce her mortgage balance to an amount which she could be lent on her salary.....trouble is, we've reached this point and the money she is owed is not being payed back as we had expected.

if we keep my name on the mortgage when it's being arranged will they allow me to be removed in say january? im not sure this will be allowed but my mother has spoken to someone from Nat West and that is her understanding.

we have never missed a payment on our mortgage (or any loan) and my mother would be able to pay it on her own, unfortunately because of her salary she is being offered £72000 and the outstanding balance is something around £86000.

my mothers really stressed about this and it's not doing me much good either. please could someone offer some advice.

thanks in advance

L